How to Pay Your CareCredit Bill

Paying your CareCredit bill online or by phone

You can pay your CareCredit bill through the CareCredit website, the CareCredit mobile app, by phone, or by mail. The fastest route is the website or app — both let you make a payment in minutes without talking to anyone. If you prefer to speak with someone, you can call the customer service number on the back of your card.

CareCredit is a credit card issued by Synchrony Bank, so your bill works like any other credit card bill. You receive a statement each month showing what you owe, when it is due, and the minimum payment required. You can pay the full balance, the minimum payment, or any amount in between.

Key Takeaways

• You can pay CareCredit through the website, mobile app, by phone at the number on your card, or by mailing a check to the address on your statement.
• Payments made online or through the app usually post within one business day, while phone and mail payments may take longer.
• If you have a promotional offer like "no interest if paid in full within 12 months," you must pay the full balance by the important date or interest charges will explore retroactively.
• Setting up automatic payments through the website can help you avoid late fees and missed payments.

Paying through the CareCredit website

Go to the CareCredit website and log into your account using your username and password. If you do not have an online account yet, you can create one using your card number and other identifying information. Once you are logged in, look for a "Make a Payment" or "Pay Now" button, usually on the main dashboard or account overview page.

Enter the amount you want to pay and choose your payment method — you can pay from a checking or savings account, or use another debit card. Review the payment details to make sure everything is correct, then confirm the payment. You will receive a confirmation number on screen and by email. The payment typically posts to your account within one business day.

Paying through the CareCredit mobile app

read the CareCredit app from the Apple App Store or Google Play Store, then log in with the same username and password you use on the website. The app shows your current balance, recent transactions, and available credit at a glance.

To make a payment, tap the "Pay" or "Make a Payment" button. Enter the amount, select your payment method, and confirm. The process is the same as paying online, and the payment posts within one business day. The app also lets you set up automatic payments and view your statement without waiting for the paper version to arrive.

Paying by phone or mail

To pay by phone, call the customer service number printed on the back of your CareCredit card. A representative will ask for your account information and the amount you want to pay, then process the payment over the phone. You can pay from a checking or savings account. Phone payments may take two to three business days to post.

To pay by mail, write a check payable to Synchrony Bank and include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this is different from the address where you send disputes or correspondence. Mail payments typically take five to seven business days to reach the company and post to your account, so send your payment early if your due date is coming up soon.

Understanding promotional financing offers

Many CareCredit purchases come with a promotional offer, such as "no interest if paid in full within 12 months." These offers are only valid if you pay the entire promotional balance by the important date. If you miss the important date or do not pay the full amount, CareCredit will charge you interest on the full original purchase amount, not just the remaining balance — this is called retroactive interest.

For example, if you charged $1,200 to your card with a 12-month no-interest offer and you pay $1,100 by the important date, you will owe interest on the full $1,200 from the original purchase date, not just the $100 you did not pay. To avoid this, make sure you understand the exact important date and the exact amount you need to pay. You can see your promotional offers and their important date in your online account or on your statement.

Setting up automatic payments

Automatic payments help you avoid late fees and missed payments. Log into your CareCredit account online or through the app and look for an "Autopay" or "Automatic Payments" section. You can choose to pay a fixed amount each month, the minimum payment, or the full statement balance automatically on a date you select.

Once you set up automatic payments, the payment will be deducted from your bank account on the same day each month. You can change or cancel automatic payments at any time through your account. If you have a promotional offer, be careful with automatic payments — set them up to pay the full promotional balance by the important date, not just the minimum payment, or you will owe retroactive interest.

What to do if your payment does not post

If you made a payment but it has not shown up in your account after the expected time, log into your account and check the payment status. Most online and app payments show a confirmation status when ready. If the payment shows as confirmed but has not posted to your balance after one business day, contact CareCredit customer service using the number on your card.

If you paid by mail and it has been more than seven business days, call customer service with your check number and the amount. They can search for the payment in their system. If the check was lost in the mail, you may need to stop payment on the original check and send a new one, or make a payment online instead to avoid a late fee.

Frequently Asked Questions

Can I pay my CareCredit bill with a credit card?

No, CareCredit does not accept credit card payments. You can pay from a checking or savings account, or by mailing a check. Paying with another credit card would create a cash advance on that card, which usually carries a higher interest rate and an upfront fee.

What happens if I miss my payment due date?

A late payment fee will be added to your account, usually $25 to $40 depending on your account terms. Your interest rate may also increase. If you miss a payment, make one as soon as you can. If you have a promotional offer, a late payment may cause you to lose the offer and owe retroactive interest.

Can I pay more than the minimum to pay off my balance faster?

Yes, you can pay any amount at any time. Paying more than the minimum reduces the interest you owe and helps you pay off the balance faster. If you have a promotional offer, paying extra toward that balance helps may support you meet the important date and avoid retroactive interest.

Is there a fee to pay my CareCredit bill?

No, CareCredit does not charge a fee to make a payment, regardless of which method you use. There is no fee for paying online, through the app, by phone, or by mail.

How do I know if my payment was received?

If you paid online or through the app, you will receive a confirmation number and email receipt when ready. If you paid by phone, ask the representative for a confirmation number. If you paid by mail, you can track the check through your bank or contact CareCredit after seven business days to confirm receipt.